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All Journal Musyarakah: Journal of Sharia Economics (MJSE) JSE: Jurnal Sharia Economica
Rifai, Muhammad Saiful
Unknown Affiliation
Religion Economics, Econometrics & Finance

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Tantangan Inklusi Keuangan Syariah Era Disrupsi Sultoni, Hasan; Santi, Mei; Rifai, Muhammad Saiful
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.8600

Abstract

This research aims to know and understand the Disruption Era and its impact on Sharia Financial Inclusion. Financial inclusion is an effort that makes it easy to access a more prosperous life for all people. This research uses a literature review research method, obtaining data from Scientific Journal literature and data related to Islamic Financial Inclusion in Indonesia. This inclusion program is very important for equal access to the entire community, especially for someone who is unbankable. In this program, the role of the government and financial institutions, both conventional and sharia, is very influential. Inclusive, stable finance will be achieved through five pillars and foundations, including; Financial Education Pillar, Community Property Rights Pillar; Product Pillar, Intermediation and Distribution Channels; Financial Services Pillar in the Government Sector; Consumer Protection Pillar. The impact that occurs in the development of Financial Inclusion in the era of disruption is the emergence of FinTech, which is able to open various facilities for consumers in using / utilizing various financial services digitally, such as: payments, loans, investments, and insurance.
PENERAPAN PRINSIP SYARIAH TERHADAP KEPUTUSAN KONSUMEN DALAM MENGGUNAKAN JASA PERCETAKAN: STUDI KASUS PADA INTAN COMPUTER FOTOCOPY & DIGITAL PRINTING KARANGREJO - TULUNGAGUNG Shofi Maula, Nanda; Rifai, Muhammad Saiful; Amarodin, Mochamat
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.2965

Abstract

Studi ini mengkaji penerapan prinsip-prinsip Islam dalam operasional INTAN COMPUTER, sebuah usaha mikro percetakan dan digital printing di Karangrejo, Tulungagung, dan menganalisis pengaruhnya terhadap pengambilan keputusan konsumen. Bertempat di bidang etika bisnis Islam dan perilaku konsumen, studi ini bertujuan untuk mendeskripsikan bagaimana ṣidq (kejujuran), amanah (kepercayaan), 'adl (keadilan), dan tablīgh (transparansi) diterapkan dan bagaimana nilai-nilai ini membentuk kepercayaan dan loyalitas pelanggan. Metode kualitatif deskriptif digunakan melalui observasi, dokumentasi, dan pengalaman langsung peneliti di tempat kerja. Temuan penelitian menunjukkan bahwa penerapan nilai-nilai etika Islam yang konsisten mendorong persepsi konsumen yang positif, rasa aman, dan keterlibatan emosional yang lebih kuat. Faktor agama dan psikologis terbukti lebih berpengaruh daripada pertimbangan ekonomi dalam membentuk pilihan konsumen. Studi ini berkontribusi pada literatur tentang etika bisnis Islam dengan menyajikan bukti empiris dari sebuah usaha percetakan skala mikro. Hasil penelitian ini menyoroti pentingnya nilai-nilai Islam sebagai strategi bisnis yang berkelanjutan dan kompetitif. Kata kunci: Etika bisnis Islam, perilaku konsumen, prinsip Syariah, kepercayaan, pencetakan digital
Co-Authors Amarodin, Mochamat Mei Santi, Mei Shofi Maula, Nanda Sultoni, Hasan